保险转型：新议程

Matthew Smith is the global lead forinsurance strategy and transformation,and Partner with KPMG in the UK. With over22 years of experience working in thefinancial services sector, Matthew workswith C-suite leaders to navigate industrychallenges and drive strategic andtransformational change.Alissa is a Managing Director in KPMG inthe US’s Customer and Operationspractice. With more than 18 years ofconsulting and insurance experience acrossthe value chain, Alissa works clients to drivedigital transformation, enhance carrierspeed to market across multichanneldistribution models, and enhance customerand operational excellence.Matthew SmithAlissa RisticAbouttheauthorsInsurance transformation:The new agenda© 2025 Copyright owned by one or more of the KPMG International entities. KPMG International entities provide no services to clients. All rights reserved. Jonathan is a Partner in KPMG Canada’sManagement Consulting Advisory practice,based in Toronto. He leads the P&C insuranceindustry within Management Consulting andhas functional expertise in distribution andoperational strategies, transformationleadership and implementation, andtechnology enablement, having workedalongside brokers, service providers,corporates and startups.JonathanWeir Mark Longworth is a Partner in KPMG China’sFinancial Services Management ConsultingPractice, and leads the global insuranceAdvisory business. Specializing intransformational change, Mark has over 30years experience across financial services, andhas led large-scale transformation programsacross the financial services industry, acrosscommercial and personal lines.Mark Longworth Contents17Industry insights: Covéa Insurance05Insurance transformation:At a glance06The urgency of transformation11Foreword04Industry insights: Empire Life12Delivering the transformation© 2025 Copyright owned by one or more of the KPMG International entities. KPMG International entities provide no services to clients. All rights reserved. ©2025 Copyright owned by one or more of the KPMG International entities. KPMG International entities provide no services to clients. All rights reserved.ForewordAs the insurance market evolves and new challenges emerge,insurance leaders and decision-makers are looking to improvetheir organization’s agility, flexibility and cost base. The problemis that many insurance organizations have historically struggledto achieve their transformation and cost objectives. This reportaims to explain why and, more importantly, how the leadinginsurers are successfully delivering on their goals.Based on a recent survey of more than 250 insurance leadersglobally and supported by insights from KPMG’s globalnetwork of insurance professionals and industry leaders fromEmpire Life and Covéa Insurance, this report explores theobjectives, opportunities and complexities influencing insurancetransformation. And it digs into the success factors that aredriving the most advanced insurers as they strive for operationaland cost transformation.Developed to help Chief Executive Officers, Chief TechnologyOfficers, Chief Finance Officers, Chief Operations Officers andthose responsible for operational and cost transformation atinsurance organizations, this report provides industry researchand actionable insights to help organizations align, accelerateand enhance their transformation objectives. Transformation never stops and neither does KPMG. Onbehalf of KPMG’s global network of insurance professionals,we encourage you to contact your KPMG team to learn moreabout the findings of this report or to discuss your own uniquetransformation challenges.Matthew SmithGlobal Lead for Insurance Strategy andTransformation and PartnerKPMG in the UKFrank PfaffenzellerGlobal Head of InsuranceKPMG International Based on a recent surveyof more thanleaders globally andsupportedby insights from KPMG’sglobal network of insuranceprofessionals, this report exploresthe objectives, opportunities andcomplexities influencing insurancetransformation.250 insurance Three big transformations at thetop of the insurance agendaNot all insurance leaders think they are readythink they are well positioned togrow revenues41%think they are well positioned to adaptto changing market dynamics36%Yet successful transformation has been a challengehave been highly successful in achievingcost-reduction goalsJust25%have been highly successful inachieving transformation goalsOnly14%Anticipated cost savings are significant for insuranceorganizationsexpect tocut costs by 10% by 203075%want tocut costs by more than 20%31%Addressing cybersecurity and fraudImproving data andanalytics capabilitiesEmbedding AI intonew ways of workingWhat are the most successful insuranceorganizations doing differently?They have clearly defined costobjectivesThey have earmarked robustbudgetsTheir cost and transformationobjectives are alignedThey have made leadershipaccountableThey have a centralized orhub-and-spoke approachSource:Insurance transformation: The new agenda,